If medical insurance will not cover injuries from an auto accident why do they ask if you have it and then limit your coverage?
Medical insurance should cover any injuries substained no matter how they were caused. Health insurance is only responsible (in most cases) for what your car insurance and the third party involved’s insurance does not pay. Legally, car insurance is primary over health insurance.
Does the liability coverage on your auto insurance cover you against a liability exposure if you are at fault in an accident and a passenger in your car is killed in the accident?
It should, up to the amount of the policy. It is possible that your liability could exceed that amount, particularly if you had only “legal minimum”. And I suppose there could be some situations spelled out in your policy, maybe DUI or commission of a crime, that might create an exception. There may also be an issue if the passenger is a member of your household. #Two answ: Better read your insurance policy. Most liability insurance covers ONLY the person and property of another vehicle and not your own ESPECIALLY if you are at fault. .
In the UK – the response is elementary. Your insurance will cover you for all injuries including a fatality to a passenger in your car. If there was a deliberate act your motor insurer may wish to recoup any compensation payment for the fatality. See the related link entitled “car accidents caused by family members” to see how your insurer might investigate if suspicious circumstances are suspected due to a family relationship.
What happens if the damages in an accident exceed the insurance coverage of the person at fault?
You need a life insurance policy to cover the risk of death and ahealth insurance policy as a cushion against hospitalisationexpenses. Buy Individual Accident Insurance Coverage :
If an unlicensed driver is in an accident with an insured car will the insurance company still cover the harm?
Most likely yes.. but your rates are going up, and the driver will be cited.
If a car with private liability and property harm parked at a restaurant is hit by car with total coverage who pays for the harm?
The car with coverage shows up to be at fault and would therefore be liable to pay for the harm.
Will homeowner’s insurance cover a stolen car?
The ordinary response is NO. Homeowners policies will specifically exclude any vehicle licensed or intended for road use. To get coverage you will need to have Comprehensive coverage on your auto insurance policy.
Is the replacement of dual pane windows due to damages to seals normally covered in a homeowner’s insurance policy?
If the harm is the result of wear and rip, NO.. it is not covered. If the harm is the result of a covered peril, Then yes, they would be covered under your homeowners policy. Be careful not to use a home insurance policy in lieu of a home maintenance plan. Home owners who do, quickly find themselves un-insurable and may have purchased a home beyond their financial means to support and maintain.
What happens when damages caused by car wreck exceed the insurance coverage for property damages?
Then, you will seek a civil remedy for the remainder–and accept a payment plan–if it was not your fault. However, if your car was totalled and you still owe money on it, then you will have to keep making payments until it is paid off. If the wreck was your fault and the other person is coming up brief, then you may be sued for the remainder, unless you make a settlement agreement (make sure you get legal advice if this is the case).
Will property harm liability coverage cover your car for theft and fire?
No, only “comprehensive” coverage would pay for that. Liabiility AKA PLPD AKA property harm and liability ONLY covers other vehicles you may harm in a crash YOU have caused.
Does utter coverage insurance cover unauthorized or unlisted drivers under 21 in rental car accident claims?
I think it may depend on the carrier. In Los Angeles, Progressive insurance still stationary my car even tho’ it was hit by a rental car that was being driven by someone with only a drivers permit and not listed on the rental car policy.
If I had a motor vehicle accident and have property harm liability is the other drivers vehicle covered?
That’s what liability is all about. The keyword here is liability, which covers any incidents you may be liable for. Your policy will cover the vehicle, subject to policy boundaries. What happens if the harm you cause exceeds your policy thresholds, that I am hesitant of.
My ATV was stolen on my neighbors property. We just finished up the report and I’m just nosey.. does my utter coverage insurance for this ATV cover it Or does my neighbors homeowner’s cover it?
If the ATV was in a garage locked up your home owners insurance should cover the lose. If it was on your truck in the yard or just sitting somewhere your ATV insurance should cover the loss. Just call them and they will reaction you. Make sure you file a police report
If a neighbor’s tree falls on my car and I don’t have auto insurance to cover harm does he have any responsibility or does my homeowner’s insurance provide any coverage?
Fortunately, In the United States at least, no one is held liable for acts of nature. It does not matter whether the tree fell from your yard, your neighbors yard or was deep-throated in from from some national forest down the street or some other yarddue to a natural occurrence . In almost all cases in the U.S. barring some proven negligence, it is our own responsibility. The average homeowner is not expected to be an accomplished on trees. With respect to your own home insurance, there would be no coverage for your un-insured vehicle. Homeowners insurance does not cover automobiles. That’s what Auto Insurance is for. ResponseIf your neighbor’s tree is dead and they did not eliminate it, it may fall under their insurance. If it is living, then it would fall under your auto policy. If you don’t have coverage, then you would have to cover the loss out of pocket.
Business liability insurance coverage thresholds?
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Does homeowner’s insurance cover a bruised bathroom wall?
Depends on the cause of harm. Need to be more specific to get an reaction.
Can I make an insurance claim if a tree on my property is bruised by a car?
Yes, as far as ur policy iis valid .When they generally come for inspection make sure it is was through a natural disaster. If not the claim would be of no build up , most importantly they have have to be updated instantly when noticed…
I got into an accident delivering a pizza and all i have is progressive liability insurance does progressive have to cover the other guys harm to his property if i was at fault?
The insurance is actually PL/PD, which is Public Liability and Property Harm. This coverage is mandatory in most (or all) of the US and Canada, as it is to cover any harm or injury that you cause to the person or property of others. The public liability portion of the insurance is to cover injury or death of the other person in the event that you cause an accident. This may include, but is not limited to, rear-ending someone, hitting a pedestrian, or driving into a store. The property harm covers the cost of physical items, like cars, buildings, telephone poles, etc, that are bruised by your neglect. I believe that if you do not have decent insurance for a delivery driver, then your insurance company may choose not to cover you for PL/PD if you get into an accident while delivering pizzas. I have heard, however, that the specific insurance you need for delivering pizzas depends largely upon whether you wear a uniform, have signs or decals on your car, and how many hours you work or kilometres you drive.. but don’t quote me on that.
If you have insurance and let your daughter drive your car and gets into an accident will your insurance cover for the damages?
when you get the insurance you can register your daughter as an autorized driver and the insurance will cover for the damages.
If I have total coverage insurance but the car I was driving only had liability insurance will my insurance pay for damages?
Yes I think so since you were the driver. The insurance covers the driver and not necessarily the car.
Can you collect from both the driver’s policy and your own business policy if property damages exceed her liability limit?
Only up to the thresholds of the claim. You cannot collect two identical awards from both policies. (e.g.: If the award was for 110 thousand dollars but one policy only covered up to 100 thousand. The 2nd policy would pay the extra Ten thousand that the very first policy didn’t cover, but you could not collect 110 thousand dollars from BOTH policies for the same incident.) Also – if it turns out you were covered at the same time under the provisions of both policies, the companies might want to ‘subrogate’ to see which company would pay what amount.
Does liability coverage cover passenjures injured in your car during and accident in which your car is the only one reported damagesd?
If the question you are asking is: does your car insurance cover passenger injury when the driver of a car caused an accident. In the UK – the reaction to this is “yes”. The driver of a car owes a duty to his passengers to keep them safe and car insurance covers legal liability for passenger injury even when only one vehicle is involved in an accident. See the related link entitled “accident car insurance” to see all the types of vehicle insurance you can have in the UK and what type of liabilities each type of insurance will meet.
Does homeowners’ liability insurance cover a individual injury claim from another property?
Not if the injury occurred away from the home No. And also not if any crime was involved.
If I injure someone in self defense and am sued for his damages does my homeowner’s liability coverage cover my legal costs and his medical care?
This is a question that can only be answered by your reading your homeowner’s insurance policy. Under certain conditions, it might.
What to do after car accident for insurance claim?
A nonfaultcar accident claimindicates that theinsured individual does not have to incur any loss. The additionaladvantage is that the policy holder gets reimbursed by the companythat he or she has been a member of.
If someone is driving your car and is not on your insurance and they get into an accident while they are tipsy is harm covered to your car?
It will depend on the policy, but most policies are legally trussed to insure anyone that drives an insured car (as the policy covers both you and your car).
You have liability insurance but no collision coverage and your car was hit by another driver will their insurance cover your damages?
Yes, if they accept liability and they will pay up to the limit of property harm coverage.
Is your bruised computer covered by homeowner’s insurance?
Your computer should fall under the contents section of your homeowners insurance policy where you should have listed it as a valuable that you want covered. If it is listed in your policy then you should have no problem filing a successful claim but if it is not then you may run into problems.
Would liability insurance cover you if harm to your car was due to road conditions?
No, your collision and other than collision would be the place to get those coverages. Liability protects you from having to pay if you injure or harm someone else or their property.
What best describes property harm liability insurance coverage?
Property harm liability is the coverage section of your liability auto insurance that will pay for physical harm to the vehicle or other property of another person if you are at fault in an auto accident. This coverage would pay for repairs of the person’s car or whatever else is bruised.
If a fox bites someone on your property can you claim it on your homeowner’s insurance?
No. A property holder is not be liable for the acts of a wild animal they do not own. Your homeowners insurance would suggest no coverage. The persons own medical insurance would cover their injuries. ReactionAs all policies differ, read the terms, conditions and exclusions. Failing that, call the company that issued the policy.
What to do when no liability or car insurance in car accident?
Time to dig into your savings and pay the claim yourself or you can find your drivers license suspended for the next Ten years or until you pay off your debt from the accident, whichever comes very first.
Will utter coverage insurance cover your car if hit by another car on private property?
It should unless there was some illegal activity that had occurred and you had the decent coverages. There is no difference in a private property accident or a public street accident when it comes to paying claims.
Can homeowner’s insurance be cancelled because of a wind harm claim?
Yes, actually the largest amount of non renewals for home insurance are due to claims.
Does liability insurance cover death in a single car accident?
Liability coverage is “third-party” insurance that pays for injuries or death to another person as a result of the insured’s negligence (carelessness). There are different types of it, not just car-related. Whether or not it applies in a given situation depends upon the dynamics of the occurrence. Therefore, if the theory of the negligence was, for example, that a landowner created a dangerous condition that proximately caused the single-car collision, the landowner’s liability insurance could arguably be triggered so as to cover the incident. If a passenger was killed in a single car collision, the driver/proprietor’s liability coverage may be triggered if the driver was negligent in the operation of the vehicle.
Which of these sentences describes property harm liability insurance coverage?
it protects against harm done to other people’s carsor property by your car .
Does an owners liability insurance cover damages to contents of renters property if the homeowner is negligent?
No, a homeowners insurance policy does not provide coverage for the property of a tenant. That’s what “Renters Insurance” is for. If the renter chose not to purchase a renter insurance policy, Then the renter was negligent to the extent that the renter chose not to purchase a renter insurance policy, perhaps with the mistaken belief that the owners policy would cover them.
Does homeowner’s insurance cover a contractor working on my property and has an accident?
No, Your homeowners Insurance does not provide coverage hired workers. A contractor is responsible for his own insurance policy or workman’s compensation to cover injuries to himself and his employees. A contractor is not your employee and therefore not your responsibility, he is self employed.
Will an insured driver liability cover intentional damages to uninsured car that is parked?
Yes, as long as the car is parked on private property. Cars stored on private property and not “in service” are the same as any other property, If the insured runs into your parked car our your house the insurance will pay. That’s not fairly correct. If the harm was intentional, meaning that the driver of the insured car deliberately struck the uninsured parked car, then the at fault driver’s insurance will NOT pay because of a clause in the policy that excludes coverage for ‘intentional acts’ like criminal activity (which is what this is). So the parked car’s holder would have to pursue a civil case against the at fault driver and attempt to collect against their individual assets.
Can health insurance cover the balance of the claim of the car accident?
Yes, your Health insurance can provide coverage for injuries received in an auto accident beyond what may have already been covered through an automobile insurance policy. Your health insurance however is specific to you and the covered persons under your policy. It will not pay for property harm or liabilities for injuries to others.
What does liability car insurance not cover?
Liability automobile insurance only covers harm caused by you to another party for their bodily injury and property harm caused in an accident where you were the fault. The coverage is limited by the policy and the amount of coverage purchased. For example, the insured may have 25/50/25 which means the maximum that the company will pay for damages on your behalf is $25,000 per person for bodily injury with a maximum of $50,000 per accident for bodily injury, and a maximum of $25,000 in property harm. Liability also comes in CSL or Combine Single Thresholds where you may have purchased an amount such as $100,000 per accident no matter what area it is needed to be paid.
Does homeowner’s insurance cover house foundation harm?
Most home insurance policies do not cover normal and expected ground lodging. However, you can check your policy or telephone your insurance agent and find out if you have coverage for ground movement.
Does homeowner’s property liability insurance cover for claims arising from the public using a private road possessed by me in the title The road is not hard surfaced and is liable to potholes?
You need to post the property as “Private Property” and “No Trespassing”. You are not responsible to people who come across your property without permission and are certainly not liable for harm to their vehicle when they are trespassing. Homeowner Liability Coverage will only pay for damages that you are legally responsible for paying and they will also pay for defending you. However, if you do not take steps to protect yourself like posting the property and even closing the road however you need to then the insurance company will cancel your insurance. You are required to mitigate your damages and keep them from happening. The local and state governments do not pay for harm to anyone’s vehicle because they hit a pothole.
What if someone is driving your car and has an accident will your total coverage insurance cover it?
Usually yes. It depends on the brand of insurance however. You should check with your provider to be sure.
Does Texas cover damages arising out of accidents caused by motorists whose liability thresholds that are not sufficient to cover your claim?
The state of Texas will not cover the difference. The Insurance co. will pay what the policy limit is, and you can sue the other driver for the rest. It is good idea to have an attorney who will be able to investigate what the other driver coverage affords.
What if amount of harm exceeds the amount of the coverages will the mortgage insurance cover it if its a lender-placed policy?
No. A lender placed or compelled place policy is only to protect the bank or finance company and you pay the premiums. The policy does not cover the contents or anything except the amount that is owed to the bank or finance company. In these cases the policy was force placed because the homeowner did not keep the insurance that was required by the contract so the mortgagee placed the coverage to cover themselves.
Does tenant liability insurance cover property harm due to tenant negligence?
Yes if it is covered by d insurance policy & No if not. Usually its not.
What does limited liability car insurance cover?
Liability insurance protects a person if he or she gets in an accident and they end up hurting someone or his or her car or property. Many state have a minimum that each person must carry. Limited liability car insurance is where a person is covered in this case, but only for a puny amount, for example, $25000.
Does property harm liability cover harm to your neighbors property?
Yes, if you have Liability coverage on your policy, then it wouldprovide coverage for the cost of legal defense as well as courtjudgements rendered against you for whch you are found liable.
Does liability coverage cover the person driving and causing the accident?
Liability coverage offers coverage for bodily injury and property harm to the other vehicle and passengers who you hit if the accident is your faulty. It does not cover you or anyone in your vehicle.
Does the liability coverage ones homeowner’s policy cover ATV’S?
Depends on what your asking coverage for. If your asking will your homeowners “Liability Coverage” substitute orrepair a bruised ATV then no. Liability covers damages and injuriesto others. SO,, If your asking will it cover injury to a pedestrian orbystander ( Not a resident of the insured home ) , Then yes itwould provide coverage for the cost of legal defense and courtjudgements for an injury claim against you.